DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP) Stock Fundamental Analysis
USA - NASDAQ:DCOMP - US25432X2018
19.35 USD
+0.1 (+0.52%)
DCOMP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. Both the profitability and financial health of DCOMP have multiple concerns. DCOMP is growing strongly while it also seems undervalued. This is an interesting combination
1. Profitability
1.1 Basic Checks
In the past year DCOMP was profitable.
DCOMP had a positive operating cash flow in the past year.
Each year in the past 5 years DCOMP has been profitable.
In the past 5 years DCOMP always reported a positive cash flow from operatings.
1.2 Ratios
DCOMP has a Return On Assets of 0.25%. This is amonst the worse of the industry: DCOMP underperforms 85.38% of its industry peers.
DCOMP's Return On Equity of 2.52% is on the low side compared to the rest of the industry. DCOMP is outperformed by 85.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.25% | ||
| ROE | 2.52% | ||
| ROIC | N/A |
ROA(3y)0.63%
ROA(5y)0.66%
ROE(3y)6.98%
ROE(5y)7.38%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 10.08%, DCOMP is doing worse than 83.33% of the companies in the same industry.
In the last couple of years the Profit Margin of DCOMP has declined.
The Operating Margin and Gross Margin are not available for DCOMP so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 10.08% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-34.16%
PM growth 5Y-25.74%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
DCOMP does not have a ROIC to compare to the WACC, probably because it is not profitable.
DCOMP has more shares outstanding than it did 1 year ago.
The number of shares outstanding for DCOMP has been increased compared to 5 years ago.
The debt/assets ratio for DCOMP is higher compared to a year ago.
2.2 Solvency
DCOMP has a debt to FCF ratio of 1.96. This is a very positive value and a sign of high solvency as it would only need 1.96 years to pay back of all of its debts.
With a Debt to FCF ratio value of 1.96, DCOMP perfoms like the industry average, outperforming 49.49% of the companies in the same industry.
DCOMP has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
DCOMP has a Debt to Equity ratio (0.19) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.96 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.79%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 52.38% over the past year.
DCOMP shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.35% yearly.
The Revenue for DCOMP has decreased by -10.96% in the past year. This is quite bad
DCOMP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.39% yearly.
EPS 1Y (TTM)52.38%
EPS 3Y-8.69%
EPS 5Y-10.35%
EPS Q2Q%110.34%
Revenue 1Y (TTM)-10.96%
Revenue growth 3Y-7.72%
Revenue growth 5Y13.39%
Sales Q2Q%44.65%
3.2 Future
DCOMP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 43.00% yearly.
The Revenue is expected to grow by 23.51% on average over the next years. This is a very strong growth
EPS Next Y81.25%
EPS Next 2Y58.36%
EPS Next 3Y43%
EPS Next 5YN/A
Revenue Next Year31.18%
Revenue Next 2Y23.51%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
DCOMP is valuated reasonably with a Price/Earnings ratio of 8.64.
Compared to the rest of the industry, the Price/Earnings ratio of DCOMP indicates a rather cheap valuation: DCOMP is cheaper than 88.72% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.89. DCOMP is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 5.14, which indicates a rather cheap valuation of DCOMP.
DCOMP's Price/Forward Earnings ratio is rather cheap when compared to the industry. DCOMP is cheaper than 96.67% of the companies in the same industry.
DCOMP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.99.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.64 | ||
| Fwd PE | 5.14 |
4.2 Price Multiples
DCOMP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. DCOMP is cheaper than 89.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.12 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
DCOMP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as DCOMP's earnings are expected to grow with 43.00% in the coming years.
PEG (NY)0.11
PEG (5Y)N/A
EPS Next 2Y58.36%
EPS Next 3Y43%
5. Dividend
5.1 Amount
DCOMP has a Yearly Dividend Yield of 7.14%, which is a nice return.
DCOMP's Dividend Yield is rather good when compared to the industry average which is at 3.53. DCOMP pays more dividend than 95.38% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, DCOMP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.14% |
5.2 History
The dividend of DCOMP has a limited annual growth rate of 3.41%.
DCOMP has been paying a dividend for over 5 years, so it has already some track record.
DCOMP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)3.41%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
DCOMP pays out 132.29% of its income as dividend. This is not a sustainable payout ratio.
The dividend of DCOMP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP132.29%
EPS Next 2Y58.36%
EPS Next 3Y43%
DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP
NASDAQ:DCOMP (10/27/2025, 10:21:31 AM)
19.35
+0.1 (+0.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners84.94%
Inst Owner ChangeN/A
Ins Owners3.34%
Ins Owner ChangeN/A
Market Cap849.27M
Revenue(TTM)314.10M
Net Income(TTM)36.13M
Analysts85.45
Price Target24.04 (24.24%)
Short Float %0.01%
Short Ratio0.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.14% |
Yearly Dividend1.1
Dividend Growth(5Y)3.41%
DP132.29%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.34%
Min EPS beat(2)-2.88%
Max EPS beat(2)0.2%
EPS beat(4)1
Avg EPS beat(4)-10.34%
Min EPS beat(4)-30.99%
Max EPS beat(4)0.2%
EPS beat(8)2
Avg EPS beat(8)-11.4%
EPS beat(12)5
Avg EPS beat(12)-5.65%
EPS beat(16)7
Avg EPS beat(16)-3.44%
Revenue beat(2)1
Avg Revenue beat(2)-2.27%
Min Revenue beat(2)-6.15%
Max Revenue beat(2)1.61%
Revenue beat(4)2
Avg Revenue beat(4)-12.57%
Min Revenue beat(4)-45.99%
Max Revenue beat(4)1.61%
Revenue beat(8)3
Avg Revenue beat(8)-7.2%
Revenue beat(12)5
Avg Revenue beat(12)-4.81%
Revenue beat(16)9
Avg Revenue beat(16)-1.51%
PT rev (1m)-0.08%
PT rev (3m)-4.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.9%
EPS NY rev (1m)0.2%
EPS NY rev (3m)2.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.86%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.64 | ||
| Fwd PE | 5.14 | ||
| P/S | 2.37 | ||
| P/FCF | 6.12 | ||
| P/OCF | 5.89 | ||
| P/B | 0.59 | ||
| P/tB | 0.67 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.24
EY11.58%
EPS(NY)3.76
Fwd EY19.44%
FCF(TTM)3.16
FCFY16.33%
OCF(TTM)3.29
OCFY16.98%
SpS8.16
BVpS32.6
TBVpS28.98
PEG (NY)0.11
PEG (5Y)N/A
Graham Number40.54
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.25% | ||
| ROE | 2.52% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 10.08% | ||
| GM | N/A | ||
| FCFM | 38.7% |
ROA(3y)0.63%
ROA(5y)0.66%
ROE(3y)6.98%
ROE(5y)7.38%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-34.16%
PM growth 5Y-25.74%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.96 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 520.32% | ||
| Cap/Sales | 1.54% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 383.88% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC17.79%
ROIC/WACCN/A
Cap/Depr(3y)379.66%
Cap/Depr(5y)N/A
Cap/Sales(3y)1.5%
Cap/Sales(5y)N/A
Profit Quality(3y)244.47%
Profit Quality(5y)197.86%
High Growth Momentum
Growth
EPS 1Y (TTM)52.38%
EPS 3Y-8.69%
EPS 5Y-10.35%
EPS Q2Q%110.34%
EPS Next Y81.25%
EPS Next 2Y58.36%
EPS Next 3Y43%
EPS Next 5YN/A
Revenue 1Y (TTM)-10.96%
Revenue growth 3Y-7.72%
Revenue growth 5Y13.39%
Sales Q2Q%44.65%
Revenue Next Year31.18%
Revenue Next 2Y23.51%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-26.22%
FCF growth 3Y-14.08%
FCF growth 5Y6.84%
OCF growth 1Y-25.05%
OCF growth 3Y-12.2%
OCF growth 5Y7.2%
DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP / DCOMP FAQ
What is the ChartMill fundamental rating of DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP) stock?
ChartMill assigns a fundamental rating of 4 / 10 to DCOMP.
What is the valuation status of DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP) stock?
ChartMill assigns a valuation rating of 8 / 10 to DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP). This can be considered as Undervalued.
What is the profitability of DCOMP stock?
DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP) has a profitability rating of 2 / 10.
Can you provide the expected EPS growth for DCOMP stock?
The Earnings per Share (EPS) of DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP) is expected to grow by 81.25% in the next year.
Is the dividend of DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP sustainable?
The dividend rating of DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP) is 5 / 10 and the dividend payout ratio is 132.29%.